This is a simple financial simulation of Sal, a salaried person who works from age 20 to 60, then lives a retired life until age 85.
You are Sal's advisor and advise him a single consistent investment strategy for the funds coming from his savings and returns on investments. The allocation strategy will be applied at end of each year; this will also rebalance the portfolio.
The score is Sal's final inflation-adjusted net worth in mulitples of Sal's annual starting salary.
If Sal's investements do badly or expenses are more than revenue, Sal's net worth will decrease and may even go negative. Then he has to live off borrowings at 10% interest, and so, subsequently his net worth keeps going more negative every year. Therefore, with bad investement or insufficient savings rate, the final score may be negative.
There is a random element in returns from debt or equity, so the score will vary across runs. Extremely lucky runs can amass huge net worth.
For full details, see "dmrmoney" blog for post no. 7: 'Playing the Retirement Game'
You can play the Retirement Game online here